Love ‘em or hate ‘em, New Year’s resolutions are here again. And you know what, no one sticks to them. So if you’re one of the incredible people who did, well done. But for everyone else, here are some tips on how do things a little bit better in 2024.
Whether you’ve got some serious financial goals in mind, or are maybe just looking to shape things up in life a little, let’s take a look at resolutions a little differently, so that they last longer than January.
Make a plan. And then make a plan for your plan.
It’s time to leave those lofty resolutions in 2023, because we’re going to be kicking goals in 2024. The greatest killer of resolutions is how ambiguous we may set them, so it’s important to think through a plan with specific goals in mind to help reach them. Sounds simple, right?
Maybe your resolution is to ‘do more things’. Maybe that looks like organising a fun local excursion for yourself each month (the Wax Museum, anyone).
Maybe your resolution is to ‘save more money’. And maybe that looks like calculating your budget at the start of the year to figure out your savings goals, so you can smash ‘em each month.
All great things start with a plan, so grab that notebook and go.
Small steps are like goliath steps in the world of resolutions.
Atomic habits manifest into big changes. Resolutions feel daunting because they often seem all or nothing. By setting your goals, think through do-able steps you can practice daily that might help get you there.
Looking to beat the cost of living in the new year? That doesn’t mean cutting off all your favourite things in the world. Consider easy changes, like picking one streaming service to stick to, maybe it’s spending a date night in every other week, or even looking into simple cashback offers, like the 1% Cashback offer on utility bills through Orange Everyday.
You can still treat yourself to the special things in life, like hot chips and gravy, without feeling like it’s a big scary change to your life.
Quite literally, get ahead of yourself.
Some say don’t get ahead of yourself, but only if you’re unprepared. If you’re reading through these articles, you are quite wisely looking for ways to get ahead of yourself but with a plan. That’s an awesome difference.
If you’re wanting to finally perfect your baking game in 2024, why not sign up for some baking classes now, or binge The Great British Bake Off before year’s end for some inspo.
This can apply to your finances as well. For example, if you’re looking to get ahead of your home-loan next year, there are plenty of things you could even into now. From making extra repayments, using offset, or even changing your repayment frequency or loan amount. There are many different options available you could look into now, to get ahead of New Year’s day.
In the wise words of mums everywhere, just have fun with it.
Resolutions should be fun and personable so don’t be afraid of being flexible with yourself and changing things up if you need. It’s your 2024, so make it that way.
1% Utility Bill Cashback Offer for Orange Everyday Customers
The 1% utility cashback offer will apply for the next month when you meet the following eligibility criteria during the current month:
- deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
- also make at least 5 card purchases that are settled (and not at a ‘pending status’) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
Orange Everyday customers who hold an ING Home Loan are automatically eligible for this offer, and are not required to meet this monthly criteria.
Under this offer, each month that you’re eligible, you’ll receive 1% cashback on eligible utility bill payments (up to $100 per financial year) on your Orange Everyday accounts.
An eligible utility bill payment is a payment made by BPAY, PayTo (when available) or direct debit (BSB and account number) or PayTo (when available) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.
This offer may be changed or withdrawn at any time at ING’s sole discretion.
The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. All applications for credit are subject to ING’s credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.